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The DHI Mortgage Home Buyers Club does not guarantee to raise credit scores or guarantee loan approval. Credit education offered by the DHI Mortgage Home Buyers Club does not assure participants that they will qualify for, or successfully obtain, a home mortgage loan. Participants are not required to finance their home purchase through DHI Mortgage or to purchase a home from DHI Mortgage’s affiliated builder, D.R. Horton, to enroll in the DHI Mortgage Home Buyers Club. Participants must complete a HUD approved homebuyer’s education course at their own cost as a prerequisite to participation in the DHI Mortgage Home Buyers Club. DHI Mortgage Home Buyers Club is not a credit counseling or credit repair organization. See your DHI Mortgage Home Buyers Club Credit Consultant for full details. HUD = U.S. Department of Housing and Urban Development.